It's actually $14.99 for a download. However that being said, this is exactly what I did with the trip we just returned from. In the past we purchased the photo CD, but honestly after looking at the pics we rarely do anything with them except maybe one or two favourites. This time we still used the Photopass photographers, were still able to check out all of our pictures on line, but just chose a couple that we really loved and wanted to keep. While $14.99 is steep for an individual download it's a lot cheaper than $150!
ETA: all the ride photos still showed up automatically in our account too because of our magicbands, so we didn't miss out on any particular photo opportunities